Business Risk & Controls Manager

Happen Bank(formerly LendingClub)is built around a simple purpose: to clear the way to help people turn intention into action and action intofinancial progress. That means offering focused products a frictionless mobile-first experience and clear terms with no gotchas. Respect and fairness is part of our DNA and that ideal shapes how we work how we treat each other and how we invest in our employees and our community. Join us in using data bold thinking and a commitment to innovation to help clear the way for millions of Americans to achieve more.

Happen Bank is looking for a risk-minded detail-oriented Risk and Controls Manager to join our Business Risk and Controls team reporting to the Sr this role you will play a critical part in strengthening our first line of defense by owning the execution of our Risk and Controls Self-Assessment (RCSA) program across Deposits Lending and Operations and leading first line control testing activities. This is a high-impact opportunity for a seasoned risk professional who thrives in a structured yet dynamic environment and is passionate about building a culture of sound risk management within a modern tech-forward bank.

• Execute end-to-end RCSA activities across assigned business units including process mapping risk identification control elicitation inherent and residual risk rating and ongoing program maintenance
• Conduct first line control testing in accordance with established methodologies documenting results identifying control gaps and tracking remediation
• Partner closely with business line stakeholders to assess the effectiveness of key controls and translate complex risk concepts into actionable insights
• Maintain and update RCSA documentation control inventories and risk registers in the GRC system of record
• Monitor the risk and control environment for changes driven by new products processes or regulatory developments and ensure the RCSA reflects those changes
• Support issue management activities including root cause analysis remediation tracking and validation testing
• Contribute to the continuous improvement of RCSA program standards templates and methodologies
• Proactively leverage and look for ways AI can create efficiency to evolve the risk and control environment
• Liaise with second line Risk and Compliance and Internal Audit as needed

• 4 years of progressive experience in financial services with a meaningful focus on risk management operational risk compliance and/or business process modeling
• Strong working knowledge of RCSA frameworks and first line risk and control concepts
• Demonstrated ability to facilitate complex risk discussions and confidently challenge influence and guide leaders at all levels in support of sound risk management and business outcomes
• Superb meeting facilitation skills with the ability to keep participants engaged and on task
• Experience designing or executing control testing programs including test script development and evidence evaluation
• Familiarity with GRC platforms (e.g. Optro Archer ServiceNow MetricStream or similar)
• Ability to independently manage workload prioritize competing demands and deliver quality work product with minimal supervision
• Excellent written and verbal communication skills with the ability to present risk findings clearly to both technical and non-technical audiences
• Project discipline with the ability to translate business needs into executable project plans and drive against those timelines
• Experience with AI platforms (ChatGPT Claude OpenAI etc.)
• A collaborative solutions-oriented mindset with a strong sense of accountability
• Bachelors degree or higher or equivalent combination of education and experience

Nice to Have

• Experience in consumer banking lending or fintech
• Working knowledge of consumer lending and/or banking regulations (e.g. EFTA TILA TISA Reg CC FCRA FACTA BSA/AML GLBA etc) and/or SOX control frameworks

Work Location
Lehi

The above locations are eligible offices for this locations have been determined to foster in-person collaboration with this roles team or the related business lines. We utilize a hybrid work model and our teams are in-office Tuesdays Wednesdays and -person attendance is essential for this roles success and remote placement will not be Bank offers relocation based on actual job level.

Time Zone Requirements
Local hours (MT)

While the position will primarily work local hours Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements
As needed travel to Happen Bank offices and/or other locations as needed.

Compensation
The target base salary range for this position is . The base salary of the role will be determined by job-related knowledge experience education skills and location. Base salary is just one part of Happen Banks Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance employee performance and eligible earnings).

Were creating new financial services solutions for our members based on fairness simplicity and heart and we treat our employees the same way. We offer a competitive benefits package that includes medical dental and vision plans for employees and their families 401(k) match health and wellness programs flexible time off policies for salaried employees up to 16 weeks paid parental leave and more.

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Happen Bank is an equal opportunity employer and dedicated to diversity equity and inclusion in the workplace. We do not discriminate on the basis of race religion color national origin sex (including pregnancy childbirth reproductive health decisions or related medical conditions) gender gender identity gender expression sexual orientation age marital status veteran status disability status political views or activity or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability please contact us at

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